Finding the Right Insurance in Troy MO with Town and Country Insurance

Searching for the perfect insurance agent when you’re new to Troy, MO? The team at Town and Country Insurance Agency has provided customized coverage in the Troy community for over 50 years. This article will walk you through everything you need to know about getting the right insurance for your needs from Town and Country Insurance.

Overview of Town and Country Insurance Troy MO

Town and Country Insurance Agency is an independent insurance agency located at 502 East Cherry Street in Troy, MO. They provide a wide range of insurance policies to protect individuals, families and businesses throughout Missouri.

As an independent agency, Town and Country represents over 20 highly-rated insurance carriers. This allows them to compare plans across insurers and customize policies based on each customer’s unique situation. They specialize in auto, home, business, farm, life and health insurance coverage.

Town and Country Insurance takes pride in building lifelong relationships with clients. Their experienced team has deep knowledge of the risks, regulations and insurance needs of the Troy community. They aim to provide the perfect balance of coverage, service and savings.

Insurance Offerings from Town and Country

Town and Country sells all types of insurance. Some of their most popular offerings include:

Auto Insurance

  • Liability, collision and comprehensive
  • Rental reimbursement
  • Roadside assistance
  • Rideshare coverage

Homeowners Insurance

  • Dwelling and personal property
  • Loss of use and additional living expenses
  • Personal liability
  • Flood, wind, earthquake options

Business Insurance

  • General liability, property and commercial auto
  • Professional liability
  • Workers compensation
  • Cyber liability and data breach

Life Insurance

  • Term life
  • Permanent and whole life
  • Universal life

Health Insurance

  • Major medical and supplemental plans
  • Dental and vision
  • Medicare supplements

And more specialized offerings like umbrella insurance, identity theft protection, specialty vehicles, landlord policies, bonds, and travel insurance.

Benefits of an Independent Insurance Agency

There are several advantages to working with an established independent agency like Town and Country versus going direct through an insurance company:

One-stop shop – They can manage all your policies for convenience.

Choice of insurers – They compare quotes across multiple highly-rated companies.

Local expertise – They understand Troy’s unique risks and regulations.

Tailored plans – They customize policies based on your specific situation.

Personalized service – They act as your advisor for the long-term.

Competitive pricing – They leverage relationships with insurers to negotiate discounts.

Policy management – They handle billing, paperwork, and policy updates for you.

Claims assistance – They help guide you through the claims process.

How Town and Country Saves You Money

In addition to shopping rates with multiple insurers, Town and Country has other clever ways to help you save:

  • Bundle home and auto policies
  • Raise deductibles according to your budget
  • Seek all discounts you may qualify for
  • Optimize coverage limits to what you need
  • Compare rates annually and update policies
  • Leverage multi-policy discounts
  • Take advantage of policyholder dividends
  • Use insurer-provided tech tools to reduce risks

Bundling home and auto insurance provides one of the largest savings opportunities, typically 10-15% discounts.

Town and Country’s Customer Service

Town and Country Insurance Agency aims to provide best-in-class service. Some highlights include:

  • Local team with decades of experience

  • Flexible hours including evenings and weekends

  • One designated contact for personalized advice

  • Proactive policy reviews and recommendations

  • Fast response times to questions and claim filings

  • Friendly personalities that build trusting relationships

Online reviews consistently praise Town and Country’s expert staff for taking the time to understand each customer’s needs and providing ongoing, caring support.

Top Reasons to Choose Town and Country Insurance

Here are some of the key benefits that make Town and Country a top choice for insurance in Troy:

Offer broad coverage options – They can customize policies from auto and home to business, life, health and more specialized insurance.

Compare rates from top insurers – They shop your profile with companies like Nationwide, Safeco, Travelers, Progressive.

Highlight discounts – They help you qualify for every savings opportunity.

Local expertise since 1966 – Their tenured staff knows the Troy area and how best to protect local policyholders.

Provide personalized advice – They learn your specific situation to recommend the right insurance mix.

Handle claims quickly – They assist in filing and managing claims to resolution.

Proactive reviews – They periodically analyze policies to ensure proper coverage as your life changes.

Family-owned history – They build lifelong, trusted relationships across generations.

Ease insurance management – They consolidate policies, billing, and paperwork.

Is Town and Country the Right Fit?

Consider Town and Country Insurance if you:

  • Want customized insurance from a local Troy expert

  • Seek the flexibility of an independent agency

  • Want to bundle home and auto for added discounts

  • Value great customer service and a lasting relationship

  • Have specialized insurance needs like farms, businesses, health

To decide if Town and Country is right for you, visit their office for a free consultation. Have them provide a quote comparison against other insurers to ensure you get optimal coverage at the best rate.

As a full-service, independent insurance agency with over 50 years of experience serving Troy, MO, Town and Country Insurance Agency has all the expertise and carrier relationships needed to simplify your insurance and save you money.

Joe Biden’s diaper pops out…


How much is the average homeowners insurance in Missouri?

The average cost of homeowners insurance in Missouri is $2,735 per year, or about $228 per month, according to a NerdWallet analysis. That’s more than the national average of $1,820 per year.

Should I use a local insurance company?

Local Insurance Agencies Understand the Area Best Another reason it makes sense to work with a local insurance agent is that they understand the area better. They have the experience that is required to advise you on any sort of local issues that would pertain to your insurance requirements.

Leave a Comment